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Tax Diversification Strategies for Every Season
As tax season ramps up, many people focus on their immediate tax bill. But taxes aren’t just a once-a-year concern—they play a role in your financial picture year-round. One of the most effective ways to manage your tax exposure is through a tax diversification strategy that spreads investments across different types of accounts to balance […] -
A Lesson From The Road
I just bought my first new car in 10 years. It wasn’t supposed to happen this way—I had planned for a deliberate purchase in 2025. But plans don’t always unfold as expected. For months, my Grand Cherokee had been showing signs of age. The windshield wiper sensors were glitchy, the transmission was fading, and the […] -
IRS Releases Secure 2.0 Guidance
The Internal Revenue Service (IRS) released final regulations and guidance on updated required minimum distribution (RMD) rules. These rules were proposed in the Consolidated Appropriations Act that was signed into law in early 2023. Dubbed “SECURE 2.0”, this law made changes impacting retirement plan participants, IRA owners, and beneficiaries. For many, these proposed rules generated […] -
Finding the Right Balance
I was prompted by a question from Peter Thiel’s book Zero to One which I am finally getting around to reading. He asks this in every job interview: “What important truth do very few people agree with you on?” The answer reveals a contrarian view that is essentially the seed for a disruptive business or […] -
Lessons From Behind the Plate
As pitchers and catchers report for spring training, I am reminded of my career as a third-string catcher and the lessons learned along the way. The call came on a Spring Saturday afternoon when I was 13 years old. I had tried out for my first travel baseball team, and the coach of the Harford […] -
Is it time for a check up?
This is about wellness, health, and yes, money. Have you ever gone a long time without looking at your account balances? Ever held off on checking in with your advisor because you were afraid your financial plan was off-track? Does anxiety about financial headlines keep you from learning more about money and investing? I have […] -
What I Learned in 2023
Dear Reader, Looking forward, I am an optimist. Looking back, I am a historian. It’s what I am in the present that has helped me become a better investor: Unemotional. For investors, the last four years have been historic…and exhausting. We had the fastest recession, fastest recovery, fastest inflation, and the fastest interest rates. Not […] -
Tragic Optimism in Times of Change
Dear Reader, The first dramatic pivot of my career happened in the summer before my senior year of college, in the rain, staring at a military tank. I was at Ft. Lewis, WA attending a four-week-long ROTC training with a thousand other cadets. It was branch orientation day, where all the branches of the Army […] -
There’s Something Good Waiting Down This Road
I started my career as an advisor the old-fashioned way: With a telephone and a list of numbers. Cold calling was the way to find clients for decades on Wall Street. But in the ‘Do Not Call’ days of 2006, the path to success was not the same. Still, each day I had a piece […] -
My First Sabbatical
Dear Reader, For over a month, my wife Gina, and our four kids (17, 13, 9, and 7) recently hiked and toured our way through the villages and mountains of Europe. There are surprisingly few options for crews as large as ours so we Airbnb’d our way through Germany, Slovenia, and Italy. This was a […]
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